3245 Bonner Dr, Olive Branch, MS 38654 Property Records

DeSoto County property record for 3245 Bonner Dr, Olive Branch, MS 38654

Property Summary

Property Type	Single Family Home
Details	4 bd · 3,753 sqft · built 1994
Lot Size	1.75 acres (76,337 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,600 (May 2017)
Tax Bill	$3,692 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Oct 2020 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1-07-8-27-07-0-00110-00`

Property Details

APN / Parcel Number

Primary APN	`1-07-8-27-07-0-00110-00`

Interior

Bedrooms	4 Beds
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,753 sqft Adjusted Area
1st Floor Area	2,019 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	76,337 sqft (1.75 acres)

Location & Zoning

Street Address	3245 BONNER DR
City	OLIVE BRANCH
State	MS
Zip	38654-8147
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ER
Legal Description	WHITTEN PLACE S-D SEC E LOT 110
Legal Range	007
Legal Township	01S
Legal Section	27
Legal Subdivision	WHITTEN PLACE S-D
Legal Lot Number	110
Jurisdiction	DESOTO MS
Township / Civil Division	2
Census Block Group	2
Census Block	2018
Census Tract	70524

Owner

Source: DeSoto County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Oct 7, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 17, 2017	Warranty Deed, Transfer · FHA Mortgage GOLDWATER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Deed Document Number	201710118320
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147

Mortgage

Document Number	005341/672
Date	Sep 10, 2021
Book Page	5341/672

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jun 1, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DESOTO MS
Property Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147
Transaction Type	Mortgage
Record Updated	Nov 29, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147

Mortgage

Document Number	005060/454
Date	Oct 7, 2020
Book Page	5060/454

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DESOTO MS
Recording Date	May 17, 2017
Property Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147
Document Number	20170517010118320
Map Reference	PL MP 39 PG 8-10
Instrument Date	May 15, 2017
Instrument	20170517010118320
Transaction Type	Transfer
Record Updated	Nov 29, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	544 BREWER SUBDIVISION RD, 544, COLDWATER, MS 38618-5723

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3245 BONNER DR, OLIVE BRANCH, MS 38654-8147

Mortgage

Document Number	20170517010118330
Date	May 17, 2017
Instrument	20170517010118330

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

Source: DeSoto County assessment roll, as of December 15, 2025

Property Jurisdictions

Type	Name
State	Mississippi
County	DeSoto County
Municipality	Southaven City
Unified School District	DeSoto County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,692.00 (+18.9%)	$32,947 (+40.05%) Land $2,800 Building $30,147	$329,471 (+40.05%) Land $28,000 Building $301,471
2023	$3,105.00	$23,525	$235,247 Land $28,000 Building $207,247

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 5, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Mississippi
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF OLIVE BRANCH serves 54,025 people · EPA ID MS0170015
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	Radium resolved · Jan 2010
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
C Spire Wireless Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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